Bali is priced in Indonesian rupiah, and the AUD/IDR rate moves enough to change the feel of a holiday. Card payments are widely accepted in Seminyak, Canggu, Ubud and Nusa Dua, but warungs, local drivers and market stalls are still cash-first.
Use ATMs attached to bank branches rather than standalone machines, decline the machine's own currency conversion, and check what your Australian bank charges for international withdrawals — a travel card or fee-free debit card usually saves more than haggling ever will.
Most accommodation quotes include the standard service and tax loading, but villas sometimes quote before it. Bali also charges a tourist levy on arrival, payable online or at the airport.